That pile of mail on your kitchen counter and those stacks of paperwork on your desk are costing you.

Every minute you spend looking through clutter, wondering where you put this or that, being unable to focus because you're not organized costs you: time you could have spent with family or friends, time you could have spent being productive around the house, time you could have spent making money.

Overhauling your budget is great, but you have to get organized, as well. If you go about it the right way, it'll be painless.